I am about to put an offer on a leasehold flat in Shrewsbury. The selling agents assure me that it is the norm for flats in Shrewsbury to have less than 75 years unexpired on the lease. I am getting a mortgage with Platform. Is this going to be a problem if the lease has 69 years unexpired.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Platform have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 21/6/2025 the requirements read as follows :
What is the difference between a licensed conveyancer and conveyancing solicitor in Shrewsbury
There are two types of lawyers who can perform conveyancing in Shrewsbury namely CLC regulated conveyancers or solicitors. Both professionals provide the legal services that required to complete the disposal or purchase of property. Both are obliged to perform Shrewsbury conveyancing on similar standards and guidelines so you can be safe in the knowledge that your conveyancing will be professionally administered and that all necessary procedures will be correctly followed.
Two weeks ago we had a mortgage agreed in principle with Co-operative. Shrewsbury conveyancing lawyers have been selected. How long does it take for Co-operative to issue the offer to the solicitor?
There is no definitive answer here. Have Co-operative done the survey? Have you informed Co-operative as to your lawyers' details and checked that your lawyers are on the Co-operative conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I was told two weeks ago that my mortgage has been agreed to by Aldermore. Is it usual for Aldermore to only issue the offer once my solicitor in Shrewsbury is approved on their conveyancing panel? Aldermore have asked my solicitor to see a copy of their PI Insurance.
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Aldermore to deal with your lawyer's application to be on the Aldermore conveyancing panel. There's no guarantee that your solicitor will be accepted.
I used Stirling Law several years ago for my conveyancing in Shrewsbury. I now require my file but cannot find the solicitor. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Shrewsbury of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Yesterday I discovered that there is a flying freehold element on a property I have offered on a fortnight ago in what should have been a simple, no chain conveyancing. Shrewsbury is where the house is located. Can you shed any light on this issue?
Flying freeholds in Shrewsbury are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Shrewsbury you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Shrewsbury may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
In relation to leasehold conveyancing in Shrewsbury what are the most frequent lease problems?
There is nothing unique about leasehold conveyancing in Shrewsbury. All leases are unique and legal mistakes in the legal wording can sometimes mean that certain sections are not included. For example, if your lease is missing any of the following, it could be defective:
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A duty to insure the building
You could encounter a problem when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. Lloyds TSB Bank, Skipton Building Society, and Aldermore all have express conveyancing instructions when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is problematic they may refuse to provide security, forcing the buyer to pull out.
Shrewsbury Leasehold Conveyancing - Examples of Queries Prior to Purchasing
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You should want to find out as much as you can regarding the company managing the building as they will affect your use and enjoyment of the property. Being a leasehold owner you are frequently at the mercy of the managing agents both financially and when it comes to practical matters like the cleanliness of the communal areas. Enquire of other people what they think of them. On a final note, investigate as to the dates that the maintenance fees are due to the appropriate party and specifically how they are spending the funds. How many of the leaseholders are in arrears for their service charge payments? Where a Shrewsbury lease has less than eighty years it will impact the salability of the property. It is worth checking with your lender that they are happy with remaining years on the lease. A short lease means that you will probably need a lease extension sooner rather than later and it is worth finding out how much this will be. Remember, in most cases you will need to own the residence for two years in order to be eligible to carry out a lease extension.
Please set out some of compelling advantages to instructing a high street lawyer in Shrewsbury
Plenty of house movers in Shrewsbury opt for a local lawyer so that they can pop into the firm’s offices just in case they have questions, and to collect documents rather taking the chance of depending on the post.
One could allege that there is a slight benefit when opting for a solicitor local to the premises you are purchasing, due to the knowledge of the locality and potential local concerns - but this is moot. Many conveyancers conduct their work via the internet and could be almost anywhere.